Question 1

Can I get a mortgage on a work visa?

Accepted Answer

Yes, many lenders accept Skilled Worker (formerly Tier 2) visas. Requirements typically include 12-24 months remaining on your visa, though some lenders require only 6 months. Your employer and industry may also affect options.

Question 2

What visa duration do lenders require?

Accepted Answer

Most lenders require 12-24 months remaining on your visa at application. Some accept as little as 6 months. A few specialist lenders focus more on your visa renewal likelihood than remaining duration.

Question 3

Can I get a mortgage with Indefinite Leave to Remain?

Accepted Answer

ILR significantly improves your options as most lenders treat you similarly to UK nationals. You'll need to evidence your ILR status and may still need to meet specific residency requirements.

Question 4

What about spouse or partner visas?

Accepted Answer

Spouse visas are accepted by many lenders, though you may need to show your partner is a UK citizen or settled. The remaining duration requirements are similar to work visas - typically 12-24 months.

Question 5

Can UK expats get mortgages for UK property?

Accepted Answer

Yes, several lenders offer expat mortgages for UK nationals living abroad. Requirements include UK bank account, UK-based solicitor, and often larger deposits. Your country of residence affects which lenders will consider you.

Visa & Expat Mortgage Criteria

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